Gilbert, MN · Cert 5150 · Broadway Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Duluth, MN-WI · 2026 SOD (annual) · 1.1% share · #15 of 26 inst. · $0.1B of $6.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.58% | 0.61% | 0.44% | 0.66% | +13 bps | |
| Return on Equity | 7.56% | 8.18% | 8.57% | 6.29% | 9.35% | +179 bps | |
| Net Interest Margin | 3.13% | 3.22% | 3.25% | 3.35% | 3.45% | +32 bps | |
| Efficiency Ratio | 76.95% | 74.98% | 74.22% | 77.24% | 74.08% | -286 bps | |
| Non-Interest Burden | 2.37% | 2.38% | 2.37% | 2.55% | 2.52% | +15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.56% | 1.69% | 2.93% | 6.30% | 4.86% | +30 bps | |
| Loan Growth (YoY) | 4.13% | 5.51% | 9.00% | 8.00% | 8.05% | +392 bps | |
| Deposit Growth (YoY) | 10.03% | 3.29% | 2.93% | 9.84% | 8.04% | -199 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.00% | 0.00% | 0.19% | 0.16% | +3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.03% | 1.07% | 1.05% | +3 bps | |
| Allowance Coverage of NPLs | 7.8x | n/a | n/a | 5.7x | 6.5x | -1.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.09% | 7.17% | 7.04% | 7.02% | 7.12% | +4 bps | |
| Total Risk-Based Capital | 14.32% | 14.23% | 13.95% | 14.07% | 13.88% | -45 bps | |
| Equity / Assets | 7.09% | 7.23% | 7.05% | 6.94% | 7.14% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.13% | 94.78% | 93.35% | 88.63% | 92.14% | +1 bps | |
| Liquid Assets / Assets | 8.40% | 5.38% | 7.33% | 8.95% | 5.95% | -245 bps | |
| CRE / Total Capital | n/a | 97.71% | 113.26% | 115.43% | n/a | n/a | |